The credit cards that come up trumps

Credit cards could be more beneficial than you think. Provided you neuter their borrowing ability, for many, credit cards are by far the best way to spend.

Not only do you get extra consumer protection but get the right ones - cashback cards - and you get paid to use them. Better still, now is the perfect time to grab one as you can get a lot of cashback over the next couple of months.

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It's time to start saving... for Chanucah

Chanucah is coming. Now I hate the early creep of festivities as much as the next person, but if you want to have more and pay less there are some things you need to do soonish.

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Money Mensch: Loans to mortgages can be a big trap

It feels like a no-brainer: shift expensive credit cards and loans onto a cheap mortgage and, bazinga, you're quids in.

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Money Mensch: Texting for free

Many packages include free texts but for those that don't, costs can soon add up - some providers charge 10p a go.

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Tesco treats for its Clubcard holders

If you are one of the millions holstering a Tesco Clubcard in your wallet, it is time to sit up and listen. Tesco's latest Clubcard vouchers flopped through letterboxes this month, earned by spending at the giant.

To coincide, it has relaunched its double your vouchers' value in-store promo.

Yet it is possible to further play Clubcard points like a symphony. I am going to show you how.

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Free West End show

It is Kids Week, meaning that from 12 August to 4 September a child aged between five and 16 can see West End shows for free when accompanied by a full-paying adult. Up to two additional children can also get half price tickets in the same transaction.

There are 31 shows to choose from including Shrek and The Wizard of Oz.

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How to drive down your petrol costs

It is no longer safe to mention the cost of petrol and diesel in a public place.

The vapours of fury from everyone in earshot are enough to send even the most placid vicar into apoplexy.

For many households, putting fuel in the tank has become one of their biggest bills, costing thousands a year - up there with mortgage or rent, and gas and electricity.

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End that mobile menace - spam texts

Spam texts are a real nuisance. They blight our handsets with unwanted adverts. What was once a trickle has now become a deluge. I asked over 4,000 of my website users and 95 per cent have received spam texts in the past sixth months. If you get them, here is what to do.

Put it in context

There are three different types of unwanted marketing texts.

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Going abroad?

Using mobiles outside the UK can cost a fortune. Yet new rules in force mean calls in the EU are cheaper. The maximum cost to make calls is now €0.35/min + VAT (about 38p) and to receive is €0.11 (10p)/min + VAT, while texts will remain capped at €0.11 (10p).

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